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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $121,367 | $162,821-25.5% | $133,978-9.4% | $158,982-23.7% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 10.30% | 41.95%-31.6pp | 45.10%-34.8pp | 302.99%-292.7pp |
| Employer contribution / active EE | $5,428 | $4,976+9.1% | $3,919+38.5% | $4,763+14.0% |
| Participant deferral / active EE | $10,824 | $5,910+83.1% | $5,047+114.4% | $5,983+80.9% |
| Admin fee / account holder | $354 | $11,742-97.0% | $8,930-96.0% | $11,252-96.9% |